EX-99 2 ex99-1.txt EXHIBIT 99.1 CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Mortgage Pool Characteristics Group I Mortgage Loans ---------------------------------------------------- Number of loans: 3,646 Aggregate outstanding principal balance $213,757,556.70 Average outstanding principal balance: $58,628 Range of outstanding principal balance: $36.36 to $742,493.42 Range of mortgage rates: 6.00% to 17.99% Weighted average mortgage rate: 9.958% Range of original combined loan-to-value ratios: 0.00% to 100.00% Weighted average combined original loan-to- value ratio: 77.11% Range of remaining terms to stated maturity: 3 to 338 months Weighted average remaining term to stated maturity: 247 months Full documentation loans as a percentage of current balance: 93.67% Loan secured by owner occupied properties as a percentage of current balance: 95.86% Range of original term: 60 to 360 months Weighted average original term: 311 months Lien position: First 93.26% Second 6.74%

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Geographic Distribution of Mortgaged Properties -----------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Original Principal Balance ------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Current Principal Balance -----------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Current Mortgage Rates --------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Remaining Months to Stated Maturity ---------------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Number of Months of Seasoning (1) ---------------------------------------------

(1) Seasoning calculated from each Mortgage Loan's interest start date, based upon a calendar month deemed to have 30 days, and a calendar year deemed to have 360 days. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Combined Loan-to-Value Ratio (1) --------------------------------------------

(1) The Combined Loan-to-Vaue Ratios for the first lien mortgages do not reflect the principal balance of any second lien mortgages, including those financed by CIT Consumer Finance or any of its affiliates. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Borrower FICO Score (1) ------------------------------------

(1) Generally, FICO scores are determined at time of origination of the related Mortgage Loan; except that, in the case of Mortgage Loans from Institutional Bulk Portfolios, FICO scores are determined either at the time of origination or, if such score were unavailable or issued longer than three months prior to acquisition by CIT Consumer Finance or one of its affiliates, at the time of acquisition. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Property Type -----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Loan Purpose ----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Occupancy Status --------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Borrower Income Documentation Type --------------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Product Type ----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group I Distribution by Lien Type -------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Number of loans: 721 Aggregate outstanding principal balance $56,484,627.92 Average outstanding principal balance: $78,342 Range of outstanding principal balance: $15,826.62 to $487,555.52 Range of mortgage rates: 2.60% to 14.28% Weighted average mortgage rate: 9.624% Range of original loan-to-value ratios: 27.00% to 100.00% Weighted average original loan-to-value ratio: 79.69% Range of remaining terms to stated maturity: 1 to 347 months Weighted average remaining term to stated maturity: 305 months Full documentation loans as a percentage of current balance: 93.23% Loan secured by owner occupied properties as a percentage of current balance: 95.68% Range of original term: 84 to 360 months Weighted average original term: 358 months Lien position: First 100%

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Geographic Distribution of Mortgaged Properties -----------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Original Pricipal Balance -----------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Current Principal Balance -----------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Current Mortgage Rates --------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Gross Margin ----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Maximum Mortgage Rates --------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Months to Next Rate Reset Date ----------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Remaining Months to Stated Maturity ---------------------------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Number of Months of Seasoning (1) ---------------------------------------------

(1) Seasoning calculated from each Mortgage Loan's interest start date, based upon a calendar month deemed to have 30 days, and a calendar year deemed to have 360 days. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Original Loan-to-Value Ratio (2) --------------------------------------------

(2) The Combined Loan-to-Vaue Ratios for the first lien mortgages do not reflect the principal balance of any second lien mortgages, including those financed by CIT Consumer Finance or any of its affiliates. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Property Type -----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Borrower FICO Score (1) -----------------------------------

(1) Generally, FICO scores are determined at time of origination of the related Mortgage Loan; except that, in the case of Mortgage Loans from Institutional Bulk Portfolios, FICO scores are determined either at the time of origination or, if such score were unavailable or issued longer than three months prior to acquisition by CIT Consumer Finance or one of its affiliates, at the time of acquisition. CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Loan Purpose ----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Occupancy Status --------------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Borrower Income Documentation Type --------------------------------------------------

CIT Home Equity Loan Trust 2002-2 as of June 30, 2005 Group II Distribution by Product Type ----------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2005 Group II Distribution by Index Type --------------------------

CIT Home Equity Loan Trust 2002-1 as of June 30, 2004 Group II Distribution by Lien Type -------------------------

CIT HOME EQUITY LOAN TRUST 2002-1 8-K